Connected payment card systems and methods

Patent metadata

Field	Value
Publication number	US-12561668-B2
Application number	US-202418907423-A
Country	US
Kind code	B2
Filing date	Oct 4, 2024
Priority date	Jul 31, 2015
Publication date	Feb 24, 2026
Grant date	Feb 24, 2026

Abstract

Methods and systems of managing payment cards are disclosed. A financial institution computing system includes a token database storing a plurality of tokens and token information, a network interface circuit enabling the financial institution computing system to exchange information over a network; and a token management circuit. The token management circuit enables a graphical user interface on a customer device over the network that can be used to generate new token requests, re-provision token requests, and management requests. The management requests enable and disable tokens, such that transactions against a payment card account using an enabled token are completed, and transactions against the payment card account using a disabled token are denied.

First claim

What is claimed is:

1 . A computing system comprising:
a database configured to store customer account information; a token database configured to store one or more tokens and token information associated with the one or more tokens; and one or more processors in communication with a computing device presenting a graphical user interface, the one or more processors configured to, individually or collectively:
cause display, on the graphical user interface of the computing device, a first image, wherein the first image is associated with a payment account, and wherein the first image is stored in association with the customer account information;
receive, via the graphical user interface, instructions to enable or disable a first token of the one or more tokens associated with a corresponding merchant;
update the token database according to the instructions to either enable or disable the first token;
receive, from the computing device, data corresponding to a point of sale device that is proximate to the computing device;
determine, based on the data received from the computing device, one or more characteristics of the point of sale device; and
cause display, on the graphical user interface of the computing device, of a second image selected based on the one or more characteristics of the point of sale device.

2 . The computing system of claim 1 , wherein the second image comprises a notification.

3 . The computing system of claim 2 , wherein the notification indicates at least one of an exceeded spending limit, a due date, or a selectable button.

4 . The computing system of claim 2 , wherein the notification indicates a due date associated with the payment account.

5 . The computing system of claim 1 , wherein the data corresponding to the point of sale device comprises global positioning system (GPS) information of the computing device.

6 . The computing system of claim 1 , wherein the data corresponding to the point of sale device indicates access to a local wireless network associated with the point of sale device.

7 . The computing system of claim 1 , wherein the data corresponding to the point of sale device indicates a transaction using the payment account.

8 . The computing system of claim 1 , wherein the one or more processors are further configured to, individually or collectively:
receive, via the graphical user interface, second instructions to change the customer account information; and modify, on the graphical user interface, the first image associated with the payment account in response to receiving the second instructions to change the customer account information.

9 . A method for managing payment transactions, the method comprising:
causing display of a first image on a graphical user interface of a computing device, wherein the first image is associated with a payment account, and wherein the first image is stored in association with customer account information in a database; receiving, via the graphical user interface, instructions to enable or disable a token associated with a corresponding merchant; updating a token database in which the token is stored according to the instructions to enable or disable the token; receiving, from the computing device, data corresponding to a point of sale device that is proximate to the computing device; determining based on the data received from the computing device, one or more characteristics of the point of sale device; and causing display, on the graphical user interface of the computing device, of a second image selected based on the one or more characteristics of the point of sale device.

10 . The method of claim 9 , wherein the second image comprises a notification.

11 . The method of claim 10 , wherein the notification indicates at least one of an exceeded spending limit, a due date, or a selectable button.

12 . The method of claim 10 , wherein the notification indicates a due date associated with the payment account.

13 . The method of claim 9 , wherein the data corresponding to the point of sale device comprises global positioning system (GPS) information of the computing device.

14 . The method of claim 9 , wherein the data corresponding to the point of sale device indicates access to a local wireless network associated with the point of sale device.

15 . The method of claim 9 , wherein the data corresponding to the point of sale device indicates a transaction using the payment account.

16 . The method of claim 9 , further comprising
receiving, via the graphical user interface, instructions to change the customer account information; and modifying, on the graphical user interface, the first image associated with the payment account in response to the instructions to change the customer account information.

17 . A non-transitory computer-readable medium with instructions embodied thereon that, when executed by one or more processors, cause the one or more processors to perform operations comprising:
causing display of a first image on a graphical user interface of a computing device, wherein the first image is associated with a payment account, and wherein the first image is stored in association with customer account information in a database; receiving, via the graphical user interface, instructions to enable or disable a token associated with a corresponding merchant; updating a token database in which the token is stored according to the instructions to enable or disable the token; receiving, from the computing device, data corresponding to a point of sale device that is proximate to the computing device; determining based on the data received from the computing device, one or more characteristics of the point of sale device; and causing display, on the graphical user interface of the computing device, of a second image selected based on the one or more characteristics of the point of sale device.

18 . The non-transitory computer-readable medium of claim 17 , wherein the second image comprises a notification regarding an intended transaction involving the payment account and the point of sale device.

Assignees

• Wells Fargo Bank Na

Inventors

• Techel Michelle B
• Ho Peter
• Edge Timothy R
• Scocci Dorothy M
• Yost Brenda L
• Dideum Kathy Barris
• Wong Cheryl Lynn
• Soparkar Khyati
• Puffer Steven E
• Hellman Stephanie S
• Pearce Brian M
• Crowell James D

Classifications

• G07F17/3248

  involving non-monetary media of fixed value, e.g. casino chips of fixed value · CPC title

• G07F17/3211

  Display means · CPC title

• G06Q40/02

  Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) · CPC title

• G06Q20/36

  using electronic wallets or electronic money safes · CPC title

• G06Q20/3674

  involving authentication · CPC title